finishing my halloween costume for party on friday. monty pythons black knight this year.
sounds like s**t you don't need. whatever it is.
What are you doing / did you do today / CHAT THREAD
- Thread starter JohnS.
- Start date
Im at work in the shop today. Probably wont stay long since its a nice day and i have s**t to do at home and would like to hit the gym hard also.
Guess we shall see
Guess we shall see
It's not water, air, or food so yes, you're correct.
I knew u already had your mind made up.
f***ing rich people smh...
... Look out, here comes that "rich" guy driving the $525 Acura Legend he pulled out of a ditch ... (which I sold yesterday BTW. Down to a single vehicle family now until I get to CA this weekend. The 08 Odyssey).
And on the subject of moving, I'm cleaning out my junk cabinet where I had all my car titles and keyes and what not... Earlier this year some time I stopped turning in the tear away strips at the bottom of titles (in AK) that you're supposed to turn into the DMV showing you've given up the title. This way if the car winds up in a ditch on fire some place and they need to find out who the owner is (say the guy was drunk and left the scene), they keep records of the strips turned in so they know titles have changed hands (though the new person rarely ever changes the titles over up here because too many broke people try to avoid the taxes). Anyway.... I found 19 of them which tells me that's probably about half of the cars i've sold since summer of last year when i used to turn those dang things in (at $2 a pop).
Point of my story.. I'm going to miss buying cheap and selling for 1000x more...
Some of the wealthiest people i know drive normal "clunkers".It's not water, air, or food so yes, you're correct.
... Look out, here comes that "rich" guy driving the $525 Acura Legend he pulled out of a ditch ... (which I sold yesterday BTW. Down to a single vehicle family now until I get to CA this weekend. The 08 Odyssey).
The owner of the company i work for drives a jeep wrangler and he is a multi millionaire. I know thats not considered rich, but he is well off. I also know a few doctors who drive mid 90's 4runners and s**t like that. Just cuz people have money doesnt necesarily mean the act or dress or drive a certain car.
My wife and I took a class about 5 years ago called "Financial peace university". It completely changed our lives. In it, Dave keeps saying the words "Live like no one else, so that later you can live like no one else". Meaning, live below your means young so that later in life you can enjoy the fruits of your labor. We didn't even have a savings account 5 years ago. Today we have enough money to sit nice for maybe 2 or 3 years if neither of us made another cent. By the time i'm 50ish, i'm hoping that will take us to the end of the road.
Having said that, this watch is kinda opposite of the words we've lived by these last few years, BUT, to my defense we bought our phones yesterday (iphone and Note 3) cash in full to avoid the 2 year contract. So with all the money we saved, we're still on top even after the watch. So... yeah...
All that talk reminds me of the guy who lived on the other side of the canal from us.
Billionaire, married to some previous Victoria's Secret model, live in a large place on 2 lots with one being just gardens & pools...drives a Mini and a 4dr Jeep
Billionaire, married to some previous Victoria's Secret model, live in a large place on 2 lots with one being just gardens & pools...drives a Mini and a 4dr Jeep
And now that i'm thinking about it... One of the tips we learned doing "Financial peace university" all those years ago was that once you have cash, it really IS king. You can do a lot with cash that you wouldn't other wise be able to do. For example, and probably one of the coolest stories I have is my rent. My rent here in AK is $2,250/month. Includes all utilities and a 2 car garage. SUPER rare in AK. Not many houses have garages this far north because the cost to heat them is insane. So after 12 months last year and $27,000 of rent I thought something has to change! I can afford it sure, but it pains me to do so having come from San Antonio where my house was twice as big and 10x nicer for only $1000/mon! So... Going back to that class we took, when my lease was up we walked over to the office with $20,000 cash and said we wanted to commit to another year but we didn't want to spend more than this. They gladly accepted and boom. Saved $7000 on the year just because we had been living smart all those years before. And I plan to do the same thing when I get south next week. Look for an apt renting from a private seller and offer them 12 months of rent cash up front at ~75% the rate and see what happens .... Hard to turn down stacks of $100's rolled up in bank paper marked $5,000 each.
.... Hard to turn down stacks of $100's rolled up in bank paper marked $5,000 each.I live about the happy medium of this. I didnt have savings until 2 years ago and if i wouldve had savings for the last ten years and put money away like i do now then i would easily have over $300k in savings. Buut i didnt. So ce la ve.
I enjoy living while im young. I dont want to miss out on things and dont want my kids to either. Sure it may bite me in the ass later, but i dont see myself retiring early.
Now if i made the kind of money i used to make then of course i would be putting 10k in savings a month and still living pretty good.
I guess ive never understood missing the best years of your life by living frugal and then being old and having money but nothing to really spend it on.
I say u did great by getting what u want!
Agree 100%. I don't live "poor" because what fun is that? But I don't live above my means like the "American way" tells us to. If I don't have cash, I don't buy it. I haven't had a credit card for years and years because when I was stupid, I had 3 of them maxed out with out an income to support my stupidness. So I think your "happy medium" is probably about right for me as well.
cool watch man, i like the commercials for that, specially when they show the power rangers clips.
That's a good plan. I'm hoping to find a median with that philosophy: I make okay money, but I'm single and have little to no debts. My bills are very affordable and very, very comfortable for me, I'm paying off all the damage I did to my credit (which I'm happy to say, will be fixed by January!), and I have 3 current credit cards that I'm on top of. I use them mainly for revolving credit to help maintain/build my score, and for emergencies/large purchases (like visiting my parents for the holidays.. about $1k in expenses, credit card is amazing for that). I need to start setting up a savings account, and dribbling even a little bit of money in it.
I feel ya man!I'm sure most places will gladly take that kind of cash, but do be careful! Out here, lots of drug dealers do that (although not for a full year). If you're more than willing to sign a contract and put your name all over everything, I doubt even a property management company would say no to that. Hell, ours offered us a rent-to-own deal for like 40% of what the house is worth. I don't want the house, though haha.And now that i'm thinking about it... One of the tips we learned doing "Financial peace university" all those years ago was that once you have cash, it really IS king. You can do a lot with cash that you wouldn't other wise be able to do. For example, and probably one of the coolest stories I have is my rent. My rent here in AK is $2,250/month. Includes all utilities and a 2 car garage. SUPER rare in AK. Not many houses have garages this far north because the cost to heat them is insane. So after 12 months last year and $27,000 of rent I thought something has to change! I can afford it sure, but it pains me to do so having come from San Antonio where my house was twice as big and 10x nicer for only $1000/mon! So... Going back to that class we took, when my lease was up we walked over to the office with $20,000 cash and said we wanted to commit to another year but we didn't want to spend more than this. They gladly accepted and boom. Saved $7000 on the year just because we had been living smart all those years before. And I plan to do the same thing when I get south next week. Look for an apt renting from a private seller and offer them 12 months of rent cash up front at ~75% the rate and see what happens
Bingo, I agree. I enjoy living, I want to see the world before I'm too old to enjoy it, and I have expensive taste. I don't mind indulging myself on the finer things in life. I'm not vain by any means (hell, I DID drive a 97 civic with a salvage title and faded ass paint for three years
), but if I can afford it, I will gladly pay a little extra to spoil myself occasionally. I can do it now because I'm single and young, might as well! As soon as someone comes around to change the single part, I'll start living more frugal, in order to plan for my future, though.I wish I could afford to pay for everything I have in cash. About 99% of the things I have, I can pay in cash for. The car is about the only thing I can't. I literally don't use my credit for anything I can't afford out of pocket. Hopefully, that's the right way to do things. We'll find out soon enough
If i cant pay cash for it i wont buy it sans my Dodge which i did finance. I wont use credit cards and i dont take out loans. Cash is King!
I am looking for a used tsx or tl for the wife though. Since her credit isnt really established i plan to finance the car the pay half the loan off immediately then sell her civic and put the rest on the loan. Refinance for the lower amount at a better rate and finish of the loan in her name only to help her out a bit. But this is a special circumstance only.
I hate paying more than what something us worth and especially with depreciation nowadays. Seems ridiculous to me.
I hate paying more than what something us worth and especially with depreciation nowadays. Seems ridiculous to me.
I agree. We can't really avoid depreciation with vehicles, though. They lose value as soon as you drive them away. It sucks but it is what it is.
I agree that cash is king, though!
looking for a black lower mileage b6 or b7 s4 or rs4. stressful
I have a research paper due on Thursday, and I'm barely starting now. The next week is gonna be stressful as f**k.